Main Article Content
The present study was conducted to assess the impact of microcredit of women borrowers of ASA credit at Sadar Upazila in the Sylhet district. With these views in mind, data were collected randomly from sixty respondents who were involved in different IGAs. The survey method was followed to collect the required data with a well-developed questionnaire. Descriptive statistics were applied for the analysis of data and sustainable livelihood framework was used for assessing the impact of credit. Results showed that there was a remarkable increase in assets of the respondents towards improved livelihood after joining with the ASA credit program. The findings exposed that ASA loan brought about a positive impact on the livelihood improvement of the borrowers. It was also found to have a significant positive effect on women’s social empowerment indicators namely attitude towards their children education, mobility to outside home, participation and decision-making ability etc. Finally, the present study suggests conducting further study of similar types in other parts of the country to make the findings representative one.
World Bank. Poverty headcount ratio at national poverty lines (% of population); 2019.
Rahman MA, Hasan MM, Hafeez ASMG. Impact assessment of ASA credit program on livelihoods and empowerment of poor women in a selected area of Bangladesh. Fundamental and Applied Agriculture. 2016;1(1):7-11.
BBS and Sida. Women and Men in Bangladesh: Facts and Figures 2018, Bangladesh Bureau of Statistics (BBS), Swedish International Development Cooperation Agency (Sida), UN Women; 2019.
Hunt A, Samman E. Women’s economic empowerment: Navigating enablers and constraints. Research Report, Development Progress Research Report, Overseas Development Institute, 203 Blackfriars Road London SE1 8NJ; 2016.
Chandarsekar KS, Prakash CSS. The role of information communication technology in women empowerment and poverty eradication in Kerala, APJRBM. 2010;1(2).
Imai KS, Gaih R, Thapa G, Annim SK. Micro-finance and Poverty (A Macro Perspective). Research Institute for Economics and Business Administration Kobe University (Discussion Paper Series). 2010;1(45).
Mayoux L. Impact assessment of Micro – Finance: Towards a sustainable learning process. Paper produced from the DFID Enterprise Development Impact Assessment Information Service (EDIAIS); 2001.
Hossain MK. Measuring the impact of BRAC microfinance operations: A case study of a village. International Business Research. 2012;5(4).
Banerjee AV, Duflo E, Glennerster R, Kinnan C. The miracle of microfinance? Evidence from a randomized evaluation. American Economic Journal. 2013;7(1).
Chemin M. The benefits and costs of microfinance: Evidence from Bangladesh. The Journal of Development Studies. 2008;44(4):463-84.
Chowdhury TA, Mukhopadhaya P. Assessment of multidimensional poverty and effectiveness of microfinance-driven government and NGO projects in the rural Bangladesh. The Journal of Socio-Economics. 2012;41(5):500-12.
Imai KS, Azam MS. Does microfinance reduce poverty in Bangladesh? New evidence from household panel data. Journal of Development Studies. 2012;48(5):633-53.
Islam A, Choe C. Child labor and schooling responses to access to microcredit in rural Bangladesh, Economic Inquiry. 2013;51(1):46-61.
Islam MA, Hossain MN, Chokraborti SS, Rahman S, Tasnim A, Zabir AA. Socio-economic profile of goat rearing farmers and their management practices in Sylhet, Bangladesh. Journal of Agriculture and Ecology Research International. 2018;15(4)1-10.